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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,436 | $65,361-35.1% | $92,903-54.3% | $72,983-41.9% |
| Participation rate | 71.9% | 68.3%+3.6pp | 76.0%-4.1pp | 69.5%+2.4pp |
| Annual return | 18.73% | 42.11%-23.4pp | 109.43%-90.7pp | 81.01%-62.3pp |
| Employer contribution / active EE | $1,516 | $2,594-41.6% | $3,653-58.5% | $2,440-37.9% |
| Participant deferral / active EE | $3,208 | $3,128+2.5% | $4,238-24.3% | $3,608-11.1% |
| Admin fee / account holder | $3,056 | $4,251-28.1% | $5,795-47.3% | $5,124-40.4% |